Guides & Insights
Data-driven credit card guides, comparisons, and rewards strategies.
How OptimalCardSetup Finds Your Mathematically Optimal Card Setup
A deep dive into the CP-SAT solver, integer programming, and how we prove — not guess — the best credit card combination for your spending.
Chase Sapphire Preferred vs Reserve: Which One Should You Get?
A data-driven comparison of the CSP ($95/yr) and CSR ($550/yr). We break down the math to show exactly when each card is worth it.
How to Maximize Credit Card Rewards: The Complete Strategy
Stop leaving money on the table. A systematic approach to earning the most from your credit card rewards, backed by math.
Capital One Savor vs Amex Blue Cash Everyday: Best No-Fee Cash Back Card
Two of the best $0 annual fee cash back cards compared. Which earns more — the Savor's 3% dining/grocery/streaming combo or the BCE's 3% gas/grocery/online combo? We do the math.
Amex Gold vs Citi Strata Premier vs Chase Sapphire Preferred: Best Mid-Tier Rewards Card
Three of the best mid-tier rewards cards compared head-to-head. We break down earn rates, transfer partners, and the math behind each card.
Credit Card Points for Beginners: What They Are, How They Work, and How to Use Them
New to credit card rewards? This guide covers everything — point currencies, transfer partners, redemption strategies, and how to avoid common mistakes.
When Is an Annual Fee Card Worth It? The Break-Even Math
Annual fee cards can earn hundreds more per year — or be a waste of money. Here's exactly how to calculate whether a fee card pays for itself.
Cash Back vs Travel Rewards: Which Strategy Wins?
Compare the two main credit card reward strategies — simple cash back vs transferable travel points. We break down the math, personality fit, and when each approach wins.
The Best $0 Annual Fee Card Combinations
You don't need to pay annual fees to earn strong rewards. These 2-3 card setups cost nothing to hold and can earn $1,400-$1,800/year on typical spending.
Understanding Spending Caps and Tiered Earn Rates
Many bonus rates have spending limits that reset quarterly or annually. Learn how caps, tiers, and choose-your-category cards work — and how to optimize around them.
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